Refinancing while in bankruptcy
The assumption would be that you are in a Chapter 13. If you are in a Chapter 13, there are two things that need to be in place, one you need to have a credit qualifying score, and the second is that you need to have at least 12 current payments from the trustee along with the trustee's permission to...

Need to consolidate mortgage and home equity loan into refinance
Enter If the information you have shared is accurate, you should qualify for a very favorable rate. However, there are various factors when determining rate, credit, total debt to income ratio, loan to value, just to name a few. Your ability to refinance, should be discussed in detail with an...

Multiple mortgages, can I get two more?
For Fannie Loans (Conventional) most lenders are going to want you to maintain 4 or less mortgages at a time. The commercial and investment interest loans are going to vary by institution. There are several meanings when you state commercial, so you may want to specify a bit more, 5 unit or more...

Under HARP2, My LTV is less than 80% can i refinance?
I agree with all of my colleagues who have responded below. However, you will also need to ensure that you have a credit qualifying score and that your debt to income ratio's are within the guidelines to refinance. Please feel free to reach out if you have any further questions.Cecelia MarlowVice...

When will I qualify for a loan??? I had a short sale in Sept. 2010 and then a bankruptcy that was discharged in Jan of 2011.
Hello Lowell, The most flexible guidelines for financing a home are typically with an FHA mortgage. With this in mind, if you are looking to purchase, you will need 3 years from the short sale date / 2 years from the bankruptcy discharge date if you filed a Chapter 7. The key here is that with the short sale...

Looking for a loan to buy a condo - Did Bankruptcy 2 years ago
Hello Condo Buyer, Most banks have minimum loan requirements, so while your credit score, based on what you've suggested appears to be qualifiable, to get a loan for $20K will be rather tough. You may want to look into a small community bank in your area to find out if they can help. Hope this gives...